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When Should You Consider Refinancing Your Home Loan?

January 18, 2013

Mortgage rates have remained at all time lows over the last several months, which has led many homeowners to consider refinancing their home loans. But is it the right time for you to take advantage of refinancing? It is important to take into account how long you intend to stay in your home and what […]

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Top 5 Home Decorating Trends for 2013

January 16, 2013

Whether you are looking to update your current home design, prepare your home for the spring real estate market, or seeking inspiration for your new home, First Option wanted to provide you with a list of what is trending in 2013 interior design. We hope this will inspire some exciting updates in your home, or […]

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Choosing the Right Mortgage Loan for Your Home Purchase

January 14, 2013

For most people, buying a home is one of the most important financial decisions you will ever make. Fully understanding what options are available when it comes to your home loan is an important part of the buying process. There are three major types of home mortgages; fixed-rate mortgages, adjustable-rate mortgages and conventional loans. Each […]

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8 Steps to Keep Your Home Nice and Toasty For Winter

January 11, 2013 Man relaxing by the fire

The cold weather is upon us and as temperatures drop, energy costs rise. More than half of U.S. households now devote more than 20 percent of their family budget toward energy costs, nearly double the spend of just ten years ago. This trend may not be entirely reversed, but there are several simple steps any […]

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How to Sell Your Home as Quickly as Possible During the Winter Months

January 09, 2013 House in the snow

Despite the poor weather, barren landscape, and shortened daylight hours, not all is as bleak as it seems when it comes to selling your home during the winter months. While the number of house hunters actively looking drops, those on the market tend be more serious buyers and inventory is typically tighter as less urgent […]

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Why the ‘Fiscal Cliff’ Deal is Great News for the Housing Market

January 07, 2013

A last minute deal to avert the ‘Fiscal Cliff’, which made permanent the Bush tax cuts for individuals making less than $400,000 a year and couples making less than $450,000, was passed in the early morning hours of January 1st and signed by President Obama late last Wednesday night. This alone is great news for […]

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5 Signs You Have Chosen the Wrong Loan Originator

January 04, 2013

In the years since the housing bubble burst, lawmakers have taken considerable action to limit “predatory lending practices”, but that doesn’t mean you should feel comfortable with just any mortgage loan originator if you’re shopping for a new loan. Your Loan Originator’s primary function is to represent you throughout what can be a complicated purchase […]

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